Experian Integrates Mastercard Identity Tech into Ascend Platform to Streamline Fraud Prevention and Onboarding
Experian and Mastercard Join Forces to Reinvent Identity Verification and Fraud Protection
In a strategic step toward frictionless fraud prevention, Experian today announced the integration of Mastercard’s Identity Insights into its Ascend Platform™, bringing advanced identity verification and fraud protection to more than 1,800 clients globally.
From financial institutions and healthcare providers to digital marketers and automotive companies, businesses can now leverage this combined solution to verify customer identities in real-time—reducing fraud without disrupting the onboarding experience.
“Clients want a streamlined process that tackles identity, fraud, and credit risk in a single, intelligent workflow,” said Greg Wright, EVP of Identity and Fraud at Experian. “By embedding Mastercard’s Identity Insights into our platform, we’re delivering the tools they need to grow securely and responsibly.”
Why This Integration Matters
Identity verification is no longer optional—96% of decision makers see it as essential to fraud prevention. Yet more than a quarter of businesses say their current solutions introduce too much friction, hurting customer conversion rates.
The Experian-Mastercard integration addresses this trade-off directly. It combines Experian’s rich decisioning and fraud-detection tools with Mastercard’s ability to validate and link identity elements—like name, email, and phone—across vast global data sets.
This dual-layered verification enhances protection against synthetic identity fraud, application fraud, and onboarding fraud, all while minimizing disruption for legitimate customers.
“We’re helping clients strike the balance between protection and ease of use,” said Dennis Gamiello, EVP of Identity Solutions at Mastercard. “From digital signups to secure transactions, this partnership enables fast, accurate identity checks without friction.”
The Power Behind the Platform
The Ascend Platform serves as Experian’s all-in-one decisioning hub, bringing together:
- Credit data and risk models
- Identity verification and fraud scoring
- Decision automation
- Monitoring and reporting tools
Now, with Mastercard’s real-time Identity Insights layered into this engine, clients across North America, the UK, and Ireland can make smarter, faster onboarding decisions—even in high-risk or high-volume environments.
Real-World Impact: Faster Enrollment, Lower Risk
For companies like OhmConnect Energy, a Texas-based energy provider, the integration is already proving critical.
“Signing up for electricity should be as easy as flipping a switch,” said Laura Persson, GM at OhmConnect. “Experian and Mastercard’s joint solution lets us verify identity, assess credit, and flag fraud instantly—so our customers can enroll without delay or risk.”
This approach is designed to work across industries—from fintech to healthcare—where secure onboarding and transaction integrity are non-negotiable.
Looking Ahead: Toward Smarter, Inclusive Finance
The integration underscores a shared mission between Mastercard and Experian: empowering businesses to grow responsibly while expanding access to secure financial services.
“Success means helping our clients reach more customers, safely and efficiently,” Wright said. “This integration supports financial inclusion while elevating trust in every interaction.”
With fraud risks rising and customer expectations growing, this enhanced collaboration marks a significant leap toward smarter, more secure digital commerce—at scale.
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